Saint Martin National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 5.75 percentage points in Q3 2026, from 53.34% to 59.09%. It was the largest change from Q2 2026 among the key lines here. Saint Martin National Bank ranks 187th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 59.09% (Q3 2026). Saint Martin National Bank reported 59.09% on loan-to-deposit ratio for Q3 2026, 8.53 points below the 67.62% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $14.1M |
| Net loans and leases | $13.9M |
| Loans held for sale | $0 |
| Loans to total assets | 50.03% |
| Loan-to-deposit ratio | 59.09% |
| Net loans to equity capital | 3.25% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.88% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.65% |
| Consumer | 5.56% |
| Credit cards | 0.00% |
| Farm | 16.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.40% |
| Interest income on loans | $222K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $12.3M | $26.1M | 0.00% | 14.98% | 6.69% |
| Q1 2024 | $11.9M | $24.6M | 0.00% | 15.13% | 6.88% |
| Q2 2024 | $12.7M | $25.8M | 0.00% | 14.10% | 7.58% |
| Q3 2024 | $13.0M | $24.9M | 0.00% | 13.14% | 6.68% |
| Q4 2024 | $13.1M | $24.1M | 0.00% | 12.53% | 6.58% |
| Q1 2025 | $13.2M | $26.3M | 0.00% | 10.00% | 6.45% |
| Q2 2025 | $12.5M | $24.6M | 0.00% | 10.87% | 6.50% |
| Q3 2025 | $13.4M | $24.7M | 0.00% | 12.71% | 6.36% |
| Q4 2025 | $12.9M | $24.3M | 0.00% | 12.37% | 5.89% |
| Q1 2026 | $12.7M | $24.4M | 0.99% | 12.80% | 5.78% |
| Q2 2026 | $13.4M | $25.0M | 0.94% | 11.74% | 5.22% |
| Q3 2026 | $14.1M | $23.9M | 0.88% | 10.65% | 5.56% |
Saint Martin National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Martin National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Saint Martin National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18937) · FFIEC NIC profile (RSSD 856159)